Chip/Chip Cookies, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S7368)
10 deals since 2020 · typical deal $427K
10
Deals since 2020
$427K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Chip/Chip Cookies
Most Chip/Chip Cookies deals financed between $315K and $499K. Above $499K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $5,588
- Down payment (10%)
- $47K
- Cash to close (all-in)
- $64K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$64K)
Experience
Recent financings
- CookieCo LLC in Sacramento, CA — $470K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $353K (75%)
- Approval → funding
- 9 days
- Approved
- 5/6/2024
- First disbursed
- 5/15/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
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- CookieCo LLC in Sacramento, CA — $30K (2024) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $15K (50%)
- Approved
- 5/6/2024
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- J&S Franchises LLC in Torrance, CA — $700K (2023) · The Bancorp Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 123 months
- SBA guaranteed
- $525K (75%)
- Approval → funding
- 7 days
- Approved
- 6/28/2023
- First disbursed
- 7/5/2023
- Loan status
- Paid in full (6/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Bancorp Bank National Association · Lender record →
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- Chip Cookies in Walnut Creek, CA — $500K (2023) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 126 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 185 days
- Approved
- 9/30/2023
- First disbursed
- 4/2/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 11
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by First Bank of the Lake · Lender record →
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- Chip Cookies Pleasant View in Ogden, UT — $499K (2023) · First National Bank of Coffee County
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 108 mo (9 yrs)
- SBA guaranteed
- $374K (75%)
- Approval → funding
- 12 days
- Approved
- 2/22/2023
- First disbursed
- 3/6/2023
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by First National Bank of Coffee County · Lender record →
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- Wolfgang Industries LLC in Culver City, CA — $427K (2023) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 126 months
- SBA guaranteed
- $320K (75%)
- Approval → funding
- 7 days
- Approved
- 8/17/2023
- First disbursed
- 8/24/2023
- Loan status
- Paid in full (12/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by First Bank of the Lake · Lender record →
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- High Octane Holdings LLC in Spanish Fork, UT — $418K (2023) · Community Banks of Colorado, A Division of NBH Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 131 months
- SBA guaranteed
- $313K (75%)
- Approval → funding
- 24 days
- Approved
- 3/20/2023
- First disbursed
- 4/13/2023
- Loan status
- Paid in full (4/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Baked Goods Retailers
Funded by Community Banks of Colorado, A Division of NBH Bank · Lender record →
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- Cedar Chipper, Inc. in Cedar City, UT — $374K (2023) · Community Banks of Colorado, A Division of NBH Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 126 months
- SBA guaranteed
- $281K (75%)
- Approval → funding
- 4 days
- Approved
- 7/27/2023
- First disbursed
- 7/31/2023
- Loan status
- Paid in full (11/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Baked Goods Retailers
Funded by Community Banks of Colorado, A Division of NBH Bank · Lender record →
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- TXCHIP1 LLC in Plano, TX — $300K (2023) · Community Banks of Colorado, A Division of NBH Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 124 months
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 6 days
- Approved
- 5/19/2023
- First disbursed
- 5/25/2023
- Loan status
- Paid in full (11/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Baked Goods Retailers
Funded by Community Banks of Colorado, A Division of NBH Bank · Lender record →
Your business? Claim this record · Request removal
- Hall Joshi Global Capital LLC in Coeur D Alene, ID — $315K (2022) · Glacier Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 127 months
- SBA guaranteed
- $236K (75%)
- Approval → funding
- 14 days
- Approved
- 9/20/2022
- First disbursed
- 10/4/2022
- Loan status
- Paid in full (5/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Baked Goods Retailers
Funded by Glacier Bank · Lender record →
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Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.
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Who funds Chip/Chip Cookies — and where
Every dot is a financed Chip/Chip Cookies — 10 mapped.
Financed Chip/Chip Cookies locations — list all 10 as text
- Chip Cookies Pleasant View — Ogden · $499K · FY2023 · Snack and Nonalcoholic Beverage Bars
- CookieCo LLC — Sacramento · $30K · FY2024 · Snack and Nonalcoholic Beverage Bars
- CookieCo LLC — Sacramento · $470K · FY2024 · Snack and Nonalcoholic Beverage Bars
- Hall Joshi Global Capital LLC — Coeur D Alene · $315K · FY2022 · Baked Goods Retailers
- Wolfgang Industries LLC — Culver City · $427K · FY2023 · Snack and Nonalcoholic Beverage Bars
- Chip Cookies — Walnut Creek · $500K · FY2023 · Limited-Service Restaurants
- High Octane Holdings LLC — Spanish Fork · $418K · FY2023 · Baked Goods Retailers
- TXCHIP1 LLC — Plano · $300K · FY2023 · Baked Goods Retailers
- J&S Franchises LLC — Torrance · $700K · FY2023 · Snack and Nonalcoholic Beverage Bars
- Cedar Chipper, Inc. — Cedar City · $374K · FY2023 · Baked Goods Retailers
Top lenders for this brand
Most active states
- 1.California (5 loans)
- 2.Utah (3 loans)
- 3.Idaho (1 loans)
- 4.Texas (1 loans)
Represent Chip/Chip Cookies?
Claim this brand page free to keep the numbers in context, add your story, and hear about qualified buyers early.
Common questions
How much does a Chip/Chip Cookies cost to buy or open?
The typical deal for Chip/Chip Cookies is $427K across 10 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $47K of buyer cash on a typical deal.
How risky is Chip/Chip Cookies?
Chip/Chip Cookies has 10 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a Chip/Chip Cookies with an SBA loan?
Yes — Chip/Chip Cookies has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Chip/Chip Cookies franchise
Most Chip/Chip Cookies buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Chip/Chip Cookies deal financed for $427K, which points to about $47K of buyer cash on a typical purchase. Chip/Chip Cookies is listed in the SBA Franchise Directory (identifier S7368), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Chip/Chip Cookies — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for Chip/Chip Cookies — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for Chip/Chip Cookies — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Chip/Chip Cookies is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 10 SBA 7(a) deals since 2020
- $427K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S7368)
- Top lenders: Community Banks of Colorado, A Division of NBH Bank, The Huntington National Bank, First Bank of the Lake
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Chip/Chip Cookies.